Bank Branches › Closed and merged banks › New York › The Troy Savings Bank
What happened to The Troy Savings Bank?
The Troy Savings Bank in Troy, NY merged into First Niagara Bank of Buffalo, NY on Jan 16, 2004. After 1 more change of hands, what was The Troy Savings Bank is today part of KeyBank National Association (Cleveland, OH).
The chain, step by step
From the day it opened to the bank at the end of the chain today. Each step is one entry in the FDIC's record.
- 1823The Troy Savings Bank opens in Troy, NY
- Jan 16, 2004MERGEDThe Troy Savings Bank merged into First Niagara Bank of Buffalo, NY.FDIC certificate 16073 ends; its business continues under certificate 16004.
- Oct 8, 2016MERGEDFirst Niagara Bank (by then renamed First Niagara Bank, National Association) of Buffalo, NY merged into KeyBank National Association of Cleveland, OH.FDIC certificate 16004 ends; its business continues under certificate 17534.
- TodayOPEN
KeyBank National AssociationMain office Cleveland, OH · FDIC certificate 17534 · 951 offices in 16 states on June 30, 2026Every KeyBank National Association office → Website on file with the FDIC: www.key.com
If you still have something from The Troy Savings Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows The Troy Savings Bank as lienholder, start with KeyBank National Association. In a merger the surviving bank takes over the other bank's loans, so it is the bank to ask for a recordable lien release; if the loan was sold along the way, it can tell you to whom.
The FDIC says it cannot process lien releases for banks that merged or were acquired without government assistance, which is what the record shows here.
Record the release with the same county office that recorded the original mortgage or deed of trust.
An old account, passbook or CD
Ask KeyBank National Association to search for the account under the name The Troy Savings Bank. A passbook or certificate shows an account existed. It doesn't show the money is still there, and the OCC notes that federal rules require banks to keep most account records for five years.
Accounts nobody touches are eventually turned over to a state. The OCC puts the usual wait at three to five years with no activity, set by each state's law. Search the unclaimed-property program of the state of the owner's last known address on the bank's records, and any other state they lived in. It is free to search and to claim through a state's own site, and MissingMoney.com, an official site of the state administrators' association, searches most states at once.
A safe deposit box
Ask KeyBank National Association which branch now holds boxes from the The Troy Savings Bank office you used. The OCC says a box with no activity for three to five years (the period is set by state statute) is likely treated as dormant, and its contents may be turned over to the state's unclaimed-property program.
Box contents are not covered by FDIC insurance.
Not sure this is your bank?
Many banks shared a name. Match the city and the years above against your paperwork, or search again with the town.
Credit unions were never FDIC-insured and are not in this record; the NCUA credit union lookup covers those. Banks that closed before about 1970 are not in the FDIC's list either.
One caution: banks also sell single branches. If the office you used was sold to a different bank along the way, the account went with the branch, not with this chain. The office list below shows which bank each office reports under now.
This page is drawn from FDIC records and federal guidance. It is not legal advice, and BankBranches is not a bank or a government office. More detail: lien releases · old passbooks and CDs · safe deposit boxes · unclaimed money.
Where the guidance comes from ▾
Its offices in the FDIC deposit reports
23 offices filed under this charter in some year from 1994 on. 3 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 615 Columbia TpkeEast Greenbush, NY | OpenKeyBank National Association |
| 49 State Route 296Windham, NY | OpenNBT Bank, National Association |
| 184 BroadwayWhitehall, NY | OpenArrow Bank National Association |
| 341 Main StreetCatskill, NY | No longer reported |
| 20 Faith PlazaRavena, NY | No longer reported |
| 11567 State Route 32Greenville, NY | No longer reported |
| 4507 Route 30, Mill LaneMiddleburgh, NY | No longer reported |
| Route 9w and Boulevard AvenuCatskill, NY | No longer reported |
| Route 145Durham, NY | No longer reported |
| 1626 Union StreetSchenectady, NY | No longer reported |
| 120 State StreetAlbany, NY | No longer reported |
| 1601 BroadwayWatervliet, NY | No longer reported |
| 103 Wolf RoadColonie, NY | No longer reported |
| 1704 Western AveGuilderland, NY | No longer reported |
| 545 Troy/Schenectady RoadLatham, NY | No longer reported |
| 739 Upper Glen StreetQueensbury, NY | No longer reported |
| 123 Quaker RoadQueensbury, NY | No longer reported |
| U.S. Route 9 Near State RoutClifton Park, NY | No longer reported |
| 86 Main AvenueWynantskill, NY | No longer reported |
| 75 Vandenburgh AvenueTroy, NY | No longer reported |
| 32 Second StreetTroy, NY | No longer reported |
| 9 Clifton Country RoadClifton Park, NY | No longer reported |
| State and Second StreetsTroy, NY | No longer reported |
Banks folded into The Troy Savings Bank
1 bank merged directly into this charter.
| Bank | Ended |
|---|---|
| Catskill Savings BankCatskill, NY | Nov 10, 2000 |
Source: FDIC BankFind institution and history records, read Nov 15, 2026. The FDIC's list covers banks that ended in about 1970 or later. Look up certificate 16073 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.